Chris Allard Continues Delivering Excellence

Whatever your needs, Chris delivers excellence to all his clients every step of the way, and his expertise doesn’t just help you get the best mortgage… check out some of the services he offers below!

Support Icon

Mortgage Renewal

When your mortgage is up for renewal, Chris is here to help. With your mortgage review 4 to 6 months away, make sure you contact Chris to determine if you should stay with your current lender, or if it makes more sense to switch to a better mortgage.

Family icon


Whether you’re buying your first home or seeking an investment property, Chris and his team have access to specialized financing—including no down payment mortgages and programs for clients meeting specific criteria—to give you more flexibility in your options.

Handling Money icon

Debt Consolidation

Many people owing money don’t realize they can pay off their debt to various creditors with a mortgage loan to minimize monthly payments, leaving more cash in their pockets. This may seem counter-intuitive, but smaller loans generally have high interest rates. Debt consolidation helps you get a better rate, whether you’re paying off consumer debt, debt for parking tickets, or any other debt you have accumulated. Contact Chris to talk about secured debt consolidation via a mortgage or secured line of credit. In cases where neither of these are well-suited to your needs, Chris will refer you to qualified industry experts.

Counselling Icon

Credit Counselling

If you are looking to improve your bad credit for better mortgage options in the future or to refinance your property, Chris will provide you with tools to better your credit and use his expertise to help you develop a structured plan to achieve your goals. In the case of bankruptcy or consumer proposals, Chris will refer you to the qualified experts best suited to your specific needs. Ask him about credit counselling to get started.

Working Professional Icon

Construction Financing

When you need to finance a construction project, Chris Allard is happy to work with you and create a plan to meet your goals. Chris can provide you with options with varying interest rates and product flexibility.

Construction mortgages are generally financed via the following types of institutions:

Specialized construction lenders are the most common options because they focus a considerable amount of their efforts on construction financing. They are the most flexible with lending requirements, have in-depth knowledge of the construction industry, and offer tailored solutions. Here are some examples:

  • Westboro Mortgage Investment Corporation
  • Pillar Financial Services

Many big banks offer construction financing in Ottawa. However, keep in mind that they can be more difficult to work with due to more stringent requirements than specialized construction lenders. Some of these banks include:

  • Toronto-Dominion Bank (TD)
  • Scotiabank

Credit unions are local, member-owned financial institutions. Like banks, credit unions can have more rigid requirements compared to specialized construction lenders. Some reputable credit unions in Ottawa include:

  • Meridian Credit Union
  • Desjardins
Car icon

Equity Refinancing

If you are making a large purchase and want to avoid using high-interest credit, you can withdraw equity from an existing asset. For example, equity from a home or investment property can be used to finance other purchases. Give Chris a call for a no-obligation consultation to find out if equity refinancing is right for you.

Why Work With a Mortgage Broker?

There are a lot of residential mortgage lenders and you probably haven’t even heard of many of them. A mortgage broker knows how to navigate loan offers so that you end up with the best option. Because you have access to many more lenders, your chances of being approved for a loan are also greater.

Types of Residential Mortgages

When looking for a personal mortgage, you first need to decide what type of loan is best for you. It can be confusing to compare loan offers when there are multiple loan types. The most common mortgage solutions are fixed-rate and adjustable-rate mortgages. There are other options to consider depending on the type of home you want to buy and your credit history.

Buy Property With Confidence

A mortgage broker can answer any questions or concerns you have so that you buy more confidently.

Mortgage Renewal

If you need to renew your mortgage loan, a broker can find you terms that meet your budget and needs.

Debt Consolidation

You can use the equity in your home to bundle all your outstanding debts into a single loan. This can reduce your interest rates significantly.

Refinancing Your Residential Property

Refinancing your home loan can save you thousands of dollars in the long term if you find a better interest rate.


Fill out the form below with your mortgage questions or inquiries, and Chris promises to get back to you shortly!

Frequently Asked Questions

Residential mortgages are mostly based on personal income and credit.

Commercial mortgages are mostly adjudicated based on the quality of the property. Commercial mortgages typically do have higher rates.

Yes, you can rent your property if you have a residential mortgage. Most lenders have different qualification guidelines for rental properties. In certain cases, they may have higher interest rates as well.

There’s no legal limit to how many mortgages you can take out, but it gets progressively more difficult to qualify as you grow your real estate portfolio.

The average rate, as of December 2021, is between 1.5% to 3%, depending on loan type.

Residential Financing Made To Your Measure

Whether you’re reviewing construction financing options, balancing a budget within a specific timeline, or refinancing in to a standard mortgage, Chris has the expertise you need to make your dreams come true.